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Internet Privacy Statement At Citizens State Bank we recognize that privacy and security of personal financial information is a concern to our customers. We have taken care in establishing and implementing policies and procedures to protect this information. Your privacy is considered in all aspects of our business. Management and employees of Citizens State Bank recognize the trust you have placed in us and in our responsibility regarding your financial privacy. It is the responsibility of each Citizens State Bank employee to safeguard the privacy and confidentiality of all customer information, which is emphasized in a formal Code of Conduct, acknowledged by each employee on an annual basis. Collection of Customer Information Citizens State Bank receives and retains information about its customers through many sources. Some information is provided to us directly by customers themselves. The Bank, as a function of customer service, collects additional data. Still more data is obtained from outside sources. We will limit the use and collection of customer information to that which is necessary to maintain and administer financial services, provide excellent service, and offer new products and services that may be of benefit to our customers. Citizens State Bank is committed to fully complying with the laws and regulations that have been established to protect the confidentiality of customer information. For example, if we obtain and use information from a third party such as a consumer report, we will notify you; like wise, you are entitled to request credit reporting agencies to remove your name from lists supplied to us. Restrictions on Disclosing Information to Parties Outside the Financial Institution Citizens State Bank does exchange information about our customers to reputable information reporting agencies, in accordance with standard banking industry practice, to maximize the accuracy and security of such information and to verify the existence and condition of customer's accounts. We do not share specific personal customer information with independent companies for any other purpose without the customer's consent, except when required by law, regulation, or court order, and to third party litigants when required by lawful judicial process or court order. Security Statement We safeguard information according to established security standards and procedures, ever mindful of new developments in technology for protecting information. All of our operational and data processing systems, as well as those of our vendors, operate in a secure environment that protects your account information from access by third parties. We maintain and grant access to customer information only in accordance with our internal security standards. Web Site Security Citizens State Bank provides Internet banking through a third party provider. The provider requires all of its divisions and companies to take proactive steps to ensure any personally identifiable information you provide or receive is delivered in a safe and secure manner. State of the art secure-connection hardware and software are in place to assure the security of online communications. Our Web Site includes both public and non-public areas. Those areas which are not public will require the customer to enter their user ID and password. When accessing online information with Citizens State Bank, the connection is automatically converted to a secure Internet communications session. Your Agreement to These Privacy Principles By accessing this site, you agree to these Privacy Principles. If you do not agree, please do not use our site. These Privacy Principles do not modify or supplement any existing agreement that we may have with you and are not intended to be incorporated as part of any future agreement between us. Citizens State Bank continues to monitor and review the privacy measures that it has in place to protect customer information. These measures are updated as practices change and new technology becomes available. The Privacy Policy applies to both consumer and Commercial accounts alike, and we reserve the right to change it, along with related provisions, at any time. To receive a written copy of this policy, please submit E-mail to privacy@csbil.com or write us at the address listed below.
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